Just started working, and after one month, the net surplus was 3,500 to 3,000 yuan. How should I manage my money? Who has a systematic suggestion?

1. The accident insurance coverage is 65438+ ten thousand yuan, and the annual premium is about 300 yuan;

2. The critical illness insurance is RMB 30,000-65,438,000+,and a comprehensive insurance surcharge may be required, RMB 2,000-5,000 per year.

The above two items, 300-500 yuan one-year lump sum deposit and withdrawal can be enough.

3. Lump-sum time deposit is 65,438+0,000 yuan per month, mainly for five years, and occasionally 65,438+0 years are considered for emergency use.

4. The fund will make fixed investment. 65,438+RMB 0,500-2,000 per month, Shanghai and Shenzhen 300 Index Fund, Advantage Growth Fund, Mixed Balance Fund and Blue Chip Fund 300-500 yuan.

Please consult a bank wealth management manager who is really familiar with wealth management business (not a bluff) for specific operation.

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